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Aviva Equity Release Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the Aviva Equity Release Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Aviva Equity Release Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This system facilitates the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with automatic updates on Aviva Equity Release’s changes. Notwithstanding that using the software is not a condition for acceptance on the Aviva Equity Release panel, demonstrating you can stay up to date with Aviva Equity Release’s Handbook requirements is an excellent support to your panel application and, just as importantly, safeguard your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces SRA and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Aviva Equity Release

Banks and building societies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from Aviva Equity Release are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, frequently:

A Timeline of Policy Changes


Since 2008, Aviva Equity Release has made 220 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 12.4 days. In total, 30% of the sections of P2 of the UK Finance Lenders’ Handbook for Aviva Equity Release have been changed since 15/12/2008.

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Aviva Equity Release Solicitor Panel Example Support Desk Enquires from members of the public

My Conveyancer is not on the Aviva Equity Release Conveyancing Panel. Is it possible for me to continue with my family solicitor notwithstanding that they are excluded from the Aviva Equity Release panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a Aviva Equity Release mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Aviva Equity Release conveyancing panel additional costs will be incurred as separate legal representation will be required by Aviva Equity Release. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
My conveyancer has uncovered a discrepancy when comparing the surveyor’s assumptions in Aviva Equity Release’s home valuation survey and what is revealed within the title deeds. My lawyer informs me that as he is on the Aviva Equity Release conveyancing panel he needs to check that the bank is OK with this discrepancy and is still content to lend. Is my conveyancer’s course or action legitimate?
A precondition to being on the Aviva Equity Release approved panel is to comply with the CML Handbook requirements (last updated for this lender on Aviva Equity Release) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I have been Googling for online conveyancing estimates. Can I be confident that all the law firms that are identified on your site are on the Aviva Equity Release conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have assured us via an online form that they are on the Aviva Equity Release panel and agreed to advise us to take down their listing in the event of removal off of the Aviva Equity Release panel. To date we have not been informed by either a lender or a member of the public that the data about a specific firm being on the Aviva Equity Release conveyancing panel is not accurate.
I am considering applying for a Aviva Equity Release mortgage for purchase of a new build (under development) with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Aviva Equity Release?
In theory, you could use a solicitor that is not on Aviva Equity Release conveyancing panel, but Aviva Equity Release would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to move forward? I plan to obtain a mortgage with Aviva Equity Release. Is it possible to avoid using solicitors to save us both money? My dad reckons back in the day he did a lot of it himself, just went into the land registry office and providing them with the info they needed himself
If you are getting a mortgage with Aviva Equity Release involved you will need to appoint a solicitor on the Aviva Equity Release conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Aviva Equity Release. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Aviva Equity Release conveyancing panel.
Why might a lender such as Aviva Equity Release withdraw a mortgage offer?
Lenders such as Aviva Equity Release can withdraw their mortgage offer although this rarely happens. should Aviva Equity Release withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are a number of examples:
  • Many mortgage offers have an expiry date. Your lawyer should check this. Aviva Equity Release may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
  • If the financial circumstances of the borrower have changed to the detriment and the Aviva Equity Release has been notified
  • Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
  • Where to proceed with the Mortgage offer would be unlawful
  • If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;
The for formalities of my purchase has taken place with a mortgage from Aviva Equity Release. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about Aviva Equity Release. Who do I contact should I wish to lodge a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the Aviva Equity Release branches or the Customer Care Team at Aviva Equity Release head office. Ordinarily complaints to Aviva Equity Release are sorted out effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service who will take matters further.

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